Beadle County, SD Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 332 mortgage applications in Beadle County, SD totaling $59.5 million, up 29% from 2023. The average application was for $179,000, and applicants reported an average income of $102,000. 50% of applications resulted in an originated loan and 17% were denied. The most active lender was American Bank & Trust, with 90 applications, followed by First National Bank and Plains Commerce Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 332 |
| Total Mortgage Loan Application Amount | $59,520,000 |
| Average Mortgage Loan Application Amount | $179,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $1,286,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 90 | $ 18,570,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 72 | $ 11,910,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 22 | $ 4,090,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 20 | $ 4,160,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 13 | $ 2,435,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 8 | $ 470,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 8 | $ 1,150,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 6 | $ 1,350,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,120,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 6 | $ 390,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 6 | $ 700,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 1,205,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 5 | $ 1,015,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 1,370,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 85,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 385,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 3 | $ 425,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 915,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 3 | $ 625,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 2 | $ 250,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 180,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 120,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 410,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 320,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 2 | $ 350,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 430,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 185,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 155,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 185,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 175,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 1 | $ 15,000 |
| Wyoming Bank & Trust 5827 YELLOWSTONE RD CHEYENNE, WY 82009 |
* | $ n/a | 1 | $ 95,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 145,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 145,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 55,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 165,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 55,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 1 | $ 195,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 195,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 1 | $ 165,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 165,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 225,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 225,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ n/a | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 155,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 225,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ n/a | 1 | $ 185,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 245,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 185,000 |
The tables below break down 2024 mortgage applications in Beadle County, SD by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Beadle County, SD in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 207 | $40,005,000 | $193,000 | $635,000 | $102,000 | $1,286,000 |
| Refinancing | 49 | $9,655,000 | $197,000 | $455,000 | $113,000 | $622,000 |
| Cash-out Refinancing | 48 | $7,990,000 | $166,000 | $355,000 | $96,000 | $694,000 |
| Home Improvement | 15 | $1,125,000 | $75,000 | $305,000 | $125,000 | $383,000 |
| Other Purpose | 12 | $720,000 | $60,000 | $165,000 | $69,000 | $240,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 220 | $39,780,000 | $180,000 | $555,000 | $111,000 | $1,286,000 |
| Not applicable | 34 | $7,390,000 | $217,000 | $635,000 | $0 | $0 |
| Hispanic | 34 | $5,370,000 | $157,000 | $355,000 | $77,000 | $238,000 |
| Asian | 23 | $3,545,000 | $154,000 | $355,000 | $61,000 | $132,000 |
| Not Provided | 20 | $3,310,000 | $165,000 | $435,000 | $100,000 | $517,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $78,000 | $78,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 211 | $35,295,000 | $167,000 | $635,000 | $116,000 | $1,286,000 |
| FHA-insured (Federal Housing Administration) | 78 | $14,890,000 | $190,000 | $435,000 | $69,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 33 | $7,655,000 | $231,000 | $515,000 | $95,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,680,000 | $168,000 | $285,000 | $77,000 | $108,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 165 | $32,445,000 | $196,000 | $635,000 | $109,000 | $622,000 |
| Application Withdrawn By Applicant | 58 | $8,820,000 | $152,000 | $425,000 | $100,000 | $1,286,000 |
| Application Denied By Financial Institution | 55 | $8,465,000 | $153,000 | $415,000 | $77,000 | $278,000 |
| Loan Purchased By The Institution | 34 | $7,040,000 | $207,000 | $435,000 | $211,000 | $589,000 |
| File Closed For Incompleteness | 13 | $1,925,000 | $148,000 | $335,000 | $124,000 | $694,000 |
| Application Approved But Not Accepted | 7 | $825,000 | $117,000 | $315,000 | $56,000 | $81,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 276 | $50,960,000 | $184,000 | $635,000 | $108,000 | $1,286,000 |
| Credit History | 18 | $2,730,000 | $151,000 | $335,000 | $110,000 | $278,000 |
| Debt-To-Income Ratio | 15 | $2,775,000 | $185,000 | $415,000 | $47,000 | $92,000 |
| Credit Application Incomplete | 9 | $1,095,000 | $121,000 | $225,000 | $77,000 | $192,000 |
| Collateral | 6 | $660,000 | $110,000 | $235,000 | $92,000 | $134,000 |
| Other | 4 | $610,000 | $152,000 | $205,000 | $61,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $475,000 | $158,000 | $175,000 | $30,000 | $48,000 |
| Employment History | 1 | $215,000 | $215,000 | $215,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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